Senior Credit Analyst

The position of Senior Credit Analyst is responsible for gathering and analyzing credit information on current and potential borrowers; determines the advisability of granting credit for diversified types of loans; assists loan officers in writing loan requests; promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services.

ESSENTIAL DUTIES AND RESPONSIBILITIES

1. Assists loan officers in performing pre-qualification assessment and analysis of financial condition and risk of financing requests within framework of Bank credit culture and current economic and industry trends. 
2. Assists loan officers in gathering data from customers, internal and outside sources; prepares spreadsheets and analyzes financial information including financial statements and tax returns; contacts customers for additional information and clarification of data. 
3. Compiles data from credit bureaus, conducts industry peer comparisons, and performs cash flow analyses and other such tasks and comparisons. 
4. Writes financial reviews and reports; makes recommendation on loan structures and terms to loan officers. 
5. Assists loan officers in Coordinating processing of approved loans; ensures loans are processed according to agreement, customer needs and conform to Bank lending policies; obtains sufficient information and/or documentation from customers; solves problems relative to processing and servicing of loans. 
6. Informs loan officers when up-to-date financial statements are needed for commercial accounts; ensures credit inquires and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved. 
7. Compliance with any and all BSA/AML/CFT and Sanctions requirements set forth by Bank Policy and Procedure, including but not limited to timely completion of assigned training.

SECONDARY DUTIES

The position performs duties specific to the position and other functions as assigned by management.

SUPERVISORY RESPONSIBILITY

This position is not responsible for the supervision of staff.

ENVIRONMENT AND PHYSICAL ACTIVITY

The incumbent is in a non-confined office setting in which they are free to move about at will.  In the course of performing the duties and responsibilities of this position spends time writing, speaking, listening, lifting (up to 25 pounds), sitting, typing on a computer keyboard, and standing, kneeling and reaching.

The incumbent for this position may operate any or all of the following: telephone, copy and fax machine, adding machine, computer and related printers.

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential function of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The incumbent in this position must be able to read documents or instruments, detailed work, problem solving, customer contact, reasoning, math, verbal and written communication, analytical reasoning, multiple tasks with constant interruptions.

MINIMUM REQUIREMENTS

These specifications are guidelines based on the minimum experience required to perform the essential functions of the job.  Individual abilities may result in some deviation from these guidelines: 

• Bachelor’s degree in Finance, Accounting or Business with 12 hours of college level accounting courses. 
• 5 + years Bank Experience as a Credit Analyst. 
• Proficiency in MS Word, Excel and Adobe. 
• Basic knowledge of commercial, construction real estate and consumer loan processing. 
• Basic knowledge of related state and federal loan regulations and other Bank lending policies.